Arthritis Life Insurance
Life Insurance is a relatively simple insurance to gain when completed with the Active Brokers professionals, even if you’re a sufferer from arthritis or any other lifelong condition. Life Insurance will allow you to ensure your loved ones are financially secure once you have passed away, meaning that you can show them support when they need it most.
Other types of insurance may be at a significantly higher price for someone who suffers from arthritis, such as Travel Insurance. However, due to the relatively low risk arthritis poses to your life expectancy, Life Insurance isn’t significantly higher for an arthritis sufferer than what a completely healthy person would be paying.
Under the Disability Discrimination Act 2005, it is considered unlawful for an insurance company to ask for a higher price on an insurance policy for a person who suffers from arthritis or any other medical condition if there is no evidence that they present a great insurance risk when compared to a non-disabled person who is in the same situation. This means that the price you will be paying is specifically determined by your individual situation and you won’t be charged more for having arthritis if it does not pose a high risk to your life. If an insurance company decides that the severity of your arthritis could cause a higher risk then you may be asked for a medical examination or a report from your GP to determine a cost that is accurately based on professional medical advice.
Life Insurance policies are set on peoples individual circumstances and depend on the severity of your condition so that you can find the best offer, rather than having set policies that apply for every arthritis sufferer. Other factors, such as your age and any other medical problems, will also determine the exact price of your life Insurance policy.
By using Active Brokers to help find this policy for you, we can find the most suitable deal that won’t compromise on quality for a cheaper price. Click below to get a quote for Life Insurance from our expert advisors at Active Brokers: we can guide you through the application process making it stress free and supportive.
A little bit about Arthritis…
Arthritis is simply a disease causing painful inflammation and stiffness in the joints of the sufferer.
Arthritis generally falls under 2 categories; osteoarthritis and rheumatoid arthritis, but is always concerned with joints and tissues, sometimes causing severe mobility problems. Osteoarthritis alone is affecting around 8 million people, while rheumatoid arthritis affects more than 400,000 people usually between the ages of 40 and 50 in the UK. While arthritis is usually associated with older people, it can also affect younger people and even children.